First of all kudos for providing cheap solution, however it would be great if you could improve your customer support.

I sent 3 separate emails and submitted a contact form, tried calling 3 times and all got no answer from zoho. 

The first email was regarding of a downgrade and change of payment method because zoho does not allow you to downgrade and pay with new payment methods nor it allows you to save new payment methods before paying with it. 

The first form was the same and I sent both two weeks ago on our first autosubscription failure message

I needed to change the payment methods because the bank I used somehow keep on reversing my payment. 

However 2 weeks gone by I decided to change service because zoho doesn't seem to care to help me at all

Suddenly they managed to charge my card, and adding salt to the wound the cancel button was hidden deep inside subscription - change plan menu in a very very small font at the bottom of the screen which I couldn't found before, I couldn't find the cancel button before and expected zoho to just terminate my subscription because of the failure in card processing 

Looking into zoho's refund policy I emailed payments@zohocorp.com

twice within two days, this is the third day and none answered me, so I decided to call the hotlines 3 times and I don't get any response at all. 

Why are you making it so difficult for people to reach you?